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10 Questions You Should Always Ask Before Buying a Home

August 28, 2025 by Rhonda Costa

Purchasing a home is one of the most significant decisions you will ever make. It is an exciting process, but it can also be overwhelming if you do not ask the right questions. Knowing what to ask can help you avoid costly mistakes and ensure that the home you choose fits your needs and budget.

What is my total budget? Understanding your full budget goes beyond the listing price. You need to factor in taxes, insurance, maintenance, and unexpected expenses. Having a clear idea of what you can afford prevents financial strain after the purchase.

Why is the seller moving? This question can reveal valuable insights about the property or neighborhood. If the seller is relocating for a job, there may be no issue. However, if they are leaving due to rising crime rates or upcoming construction projects, you will want to know before you buy.

How long has the home been on the market? A home that has been listed for a long time may indicate issues such as overpricing or hidden problems. It could also provide leverage for negotiation.

What is included in the sale? Do not assume that appliances, window treatments, or fixtures are included. Clarify what comes with the house to avoid surprises during closing.

What are the average utility costs? Knowing how much you can expect to spend on utilities each month helps you budget accurately. High energy bills might also indicate that the home needs upgrades or better insulation.

Has the home had any major repairs or renovations? Ask for documentation of past repairs or remodels. This information shows how well the home has been maintained and may highlight areas that could require future attention.

Are there any known issues with the property? Sellers are usually required to disclose major problems, but asking directly ensures you have all the facts. It also opens the door to request a professional inspection.

What is the neighborhood like? Visit the area at different times of day and speak with neighbors if possible. Consider schools, amenities, and overall safety. A great house in a declining neighborhood may not be a wise investment.

How competitive is the local market? Your offer strategy depends on market conditions. In a competitive market, you may need to act quickly and present a strong offer. In a slower market, you might have room to negotiate.

What are the future plans for the area? Upcoming developments, new roads, or commercial projects can significantly impact property values and your quality of life. Research zoning changes and planned improvements.

By asking these essential questions, you equip yourself with the knowledge to make an informed and confident decision. A little preparation now can save you stress, money, and regrets in the future.

Filed Under: Real Estate Tagged With: First Time Home Buyers, Home Buying Tips, Real Estate Advice

Why Some Homeowners Move Often While Others Stay Forever

August 26, 2025 by Rhonda Costa

A forever home is often imagined as the place you will live for decades. It is where families grow, memories are created, and life milestones are celebrated. For some people, this vision becomes reality. For others, the thought of staying in one place for life feels restrictive. Instead, they move every five to seven years, searching for new opportunities and experiences. So why do some homeowners stay forever while others are constantly on the move?

Personality Shapes Housing Choices
Personality plays a major role in how we view our homes. Some people value stability, routine, and deep community connections. For them, staying in one place provides comfort and belonging. Others are energized by change. They love exploring new neighborhoods, upgrading to different layouts, or experiencing a new lifestyle. Moving feels like growth, and for them, a forever home may feel more like a limitation than a dream.

Life Stages and Changing Needs
Different stages of life often require different types of housing. A starter condo may be perfect for a young professional, but as families expand, the need for more space becomes pressing. Later in life, downsizing into a smaller home can make sense. These moves are often less about personal preference and more about adapting to practical needs as life evolves.

Financial Factors in Home Decisions
Money also influences how long people stay in one place. Mortgage rates, property taxes, and the equity built in a home can push someone toward moving or staying put. When rates are favorable and home values are strong, selling and moving can feel like a smart opportunity. When the market tightens, staying put and improving the current home can be the better option.

Emotional Attachment to a Home
For many homeowners, emotional ties to a property are strong. Memories of holidays, children growing up, and special family moments can make leaving the home nearly impossible. For others, a home is more of a steppingstone, seen as an investment or a way to get closer to the next dream property. These different outlooks often determine whether a house becomes the forever home or just another chapter.

Is Forever Really Forever?
The truth is, the definition of a forever home is personal. For some, it really is the place they never want to leave. For others, it is simply the right home for this season of life. Neither path is right or wrong. What matters is finding a home that feels like it belongs to you, supports your lifestyle, and brings happiness.

Helping You Find Your Forever Home or Next Move
As a real estate professional, I work with both types of homeowners every day. Some are ready to settle into their forever home, while others are looking for their next adventure. My role is to help guide you toward the home that best fits your needs today, while keeping an eye on your future goals. Whether you are searching for your forever home or your next chapter, the most important thing is finding a space that truly feels like yours.

Filed Under: Real Estate Tagged With: Forever Home, Homeownership, Lifestyle Choices

A Tactical Plan to Go From Renter to Owner in One Year

August 8, 2025 by Rhonda Costa

For many renters, the idea of homeownership feels just out of reach. Rising home prices, limited inventory, and financial uncertainty can make the process seem overwhelming. But with a clear plan, the right guidance, and a one-year commitment, you can move from renter to homeowner, and take control of your financial future.

Here is a practical, month-by-month roadmap to help make it happen.

Month 1: Assess Your Finances and Set a Goal

Start by reviewing your income, expenses, and debt. Use a simple budget worksheet to understand where your money is going. Pull your credit report from all three bureaus and check your score.

Set a realistic savings goal for your down payment and closing costs. While 20 percent is ideal, many loan programs allow for as little as 3 to 5 percent down.

Month 3: Build or Repair Your Credit

If your credit score needs improvement, now is the time to act. Pay bills on time, reduce credit card balances, and avoid taking on new debt. Dispute any errors on your credit report and work toward lowering your overall utilization rate.

Even small changes in your score can lead to better loan options.

Month 5: Start Saving Consistently

Open a dedicated savings account for your home purchase. Set up automatic transfers and treat your savings like a non-negotiable bill. If possible, cut back on non-essential expenses, pick up side work, or redirect windfalls like tax refunds or bonuses toward your home fund.

This is also a good time to explore down payment assistance programs in your area.

Month 7: Meet with a Mortgage Professional

Now that your finances are on track, schedule a meeting with a trusted lender or mortgage broker. They will help you understand your loan options, walk you through the pre-approval process, and calculate how much home you can afford.

Getting pre-approved now gives you clarity, and shows sellers you are serious.

Month 9: Connect with a Real Estate Agent

It is time to start house hunting. Choose a real estate agent who understands your goals, communicates well, and knows your market. Your agent will help you focus on neighborhoods that fit your lifestyle and budget, and ensure you are seeing homes that meet your criteria.

Month 11: Make a Move

When you find the right home, your agent will guide you through making an offer, negotiating terms, and completing inspections. From contract to closing, the process can take 30 to 45 days.

Before you know it, you will be holding the keys to a home that is truly yours.

You Do Not Have to Do It Alone

Becoming a homeowner takes effort, but it is absolutely possible with a plan in place. As your real estate agent, I am here to walk with you through each step from your first question to your final closing signature.

Let us turn your “someday” into “this year.”

Filed Under: Real Estate Tagged With: First Time Buyer Tips, Home Buying Plan, Rent To Own

Eco-Friendly Features That Actually Add Value

August 7, 2025 by Rhonda Costa

Eco-friendly living is more than just a trend, it is becoming a priority for today’s homebuyers. While solar panels often get the spotlight, there are many other green features that not only reduce your environmental footprint but also boost your home’s resale value. If you are thinking of making upgrades before selling, or you are a buyer looking for long-term savings, these sustainable features deserve a closer look.

Energy-Efficient Windows and Insulation

Replacing old, drafty windows with double- or triple-pane energy-efficient models can significantly reduce energy costs and improve comfort. Paired with upgraded insulation in attics and walls, these improvements keep homes warmer in the winter and cooler in the summer, without overworking the HVAC system.

Buyers are increasingly aware of utility costs, and homes with these upgrades often appraise higher and sell faster, especially in regions with extreme temperatures.

Smart Thermostats and Energy Monitoring

Smart thermostats, like Nest or Ecobee, offer more than convenience—they can cut heating and cooling bills by learning a household’s habits and optimizing energy use. Buyers love seeing these systems in place because they offer immediate cost savings and reflect a modern, tech-savvy lifestyle.

Some systems even come with full energy monitoring dashboards, giving homeowners insight into their usage and empowering them to make more sustainable choices.

Drought-Resistant Landscaping

Water-efficient yards are rising in popularity, especially in areas where drought or water restrictions are common. Xeriscaping, native plants, drip irrigation systems, and artificial turf help reduce water usage without sacrificing curb appeal.

Eco-friendly landscaping is attractive to buyers not only for environmental reasons but also because it reduces long-term maintenance and utility bills.

Tankless Water Heaters and High-Efficiency Appliances

Tankless water heaters deliver hot water on demand, which saves energy and extends the lifespan of the unit. When paired with ENERGY STAR-rated appliances—like refrigerators, washers, and dishwashers—they can make a strong impression on buyers who are looking for a more efficient, lower-cost home.

These upgrades signal that the home has been well cared for and updated for modern living.

EV Charging Stations

With electric vehicles on the rise, having a Level 2 charging station installed in the garage or driveway can give your home an edge over similar listings. It is a relatively small investment that appeals to a growing segment of eco-conscious buyers.

In some markets, this feature is no longer considered a luxury—it is a smart, forward-thinking addition that can sway decisions in competitive neighborhoods.

Sustainability Sells

Today’s buyers are looking for homes that align with their values and lifestyles. Sustainable upgrades can reduce ownership costs, improve comfort, and help protect the environment while increasing property value.

As your real estate agent, I can help you identify which green features will give you the best return on investment and appeal most to buyers in your local market. Let’s make your home both smarter and greener.

Filed Under: Real Estate Tagged With: Eco-Friendly Homes, Green Real Estate, Smart Upgrades

Understanding the Process of Selling a Home As-Is

August 6, 2025 by Rhonda Costa

Selling a home as-is can be a practical option for homeowners who want to avoid making repairs before listing. However, understanding what it means to sell as-is, and how it affects the process, is essential for a smooth transaction. This approach can attract certain buyers, but it also requires clear communication and realistic expectations.

What Does Selling As-Is Really Mean?

When a home is sold as-is, the seller is stating upfront that they will not make any repairs or improvements before the sale. The home is offered in its current condition, and the buyer agrees to accept it that way.

This does not mean the seller can hide problems. In most states, sellers are still required to disclose known issues, such as roof leaks, foundation problems, or pest damage. Transparency is key to avoiding legal complications later.

Why Homeowners Choose to Sell As-Is

There are many reasons a seller might choose to list a property as-is. Some sellers are dealing with financial challenges and cannot afford to make repairs. Others may have inherited a home they do not wish to renovate. In some cases, sellers are simply looking to move quickly and want to simplify the process.

Selling as-is can save time and effort, but it often comes with trade-offs, including a lower sale price and a smaller pool of interested buyers.

What Buyers Expect in an As-Is Sale

Buyers who pursue as-is properties usually understand that repairs may be needed, but they still want to know what they are getting into. That is why home inspections are still a major part of as-is sales. Buyers may still conduct an inspection, not to negotiate repairs, but to decide whether to move forward.

An as-is sale does not mean buyers have no rights. If the inspection reveals serious issues the buyer was not aware of, they can still walk away during the inspection period, depending on the terms of the contract.

Pricing the Property Correctly

Pricing is critical when selling as-is. Because buyers expect to invest in repairs, the asking price must reflect the home’s current condition. Overpricing an as-is home can result in it sitting on the market too long, which may raise red flags.

A real estate agent can help analyze local sales of similar as-is homes, provide a realistic price range, and help present the home in a way that highlights its potential.

Being Prepared and Staying Honest

Selling as-is does not have to be difficult. With proper preparation, honest disclosures, and the right pricing strategy, sellers can attract serious buyers who are ready to take on a property in its current state.

As a real estate agent, I guide sellers through each step of the as-is process to ensure their legal obligations are met and their expectations are aligned with the market. For the right seller, this can be a smart way to sell quickly and move forward.

Filed Under: Real Estate Tagged With: AsIs Home Sale, Home Selling Tips, Selling Your Home

The Importance of a Home Inspection Before Purchasing

August 5, 2025 by Rhonda Costa

Buying a home is one of the biggest financial commitments most people make in their lifetime. While the process can be exciting, it is also full of important steps that protect your investment. One of the most critical yet sometimes overlooked steps is the home inspection.

Uncovering Hidden Issues

A home may look perfect on the surface, but only a thorough inspection can reveal what is going on behind the walls, under the roof, or in the foundation. A certified home inspector checks the major systems of the home, including electrical, plumbing, HVAC, and structural components. These findings help you understand what repairs may be needed and what kind of maintenance to expect.

Without a home inspection, buyers run the risk of moving into a property that needs thousands of dollars in unexpected repairs. This could quickly turn your dream home into a costly burden.

Leverage for Negotiation

The results of a home inspection report can be used as a negotiation tool. If the inspection uncovers issues, buyers may ask the seller to make repairs or offer a credit at closing. In some cases, the seller may agree to lower the purchase price.

Even if the issues are minor, knowing them in advance gives buyers a more complete picture of the property and a better position to make informed decisions. In a competitive market, some buyers may consider waiving the inspection to strengthen their offer, but that can lead to major regret down the line.

Peace of Mind and Long-Term Planning

A home inspection offers peace of mind. It confirms that you are making a sound investment and gives you confidence moving forward with the purchase. Even if the report lists only minor issues, it helps you understand how to maintain the home over time.

For example, the inspector may note that the water heater is working but nearing the end of its lifespan. This does not have to be a deal-breaker, but it gives you time to budget for a future replacement.

Protecting Your Investment

Buying a home without an inspection is a gamble. A few hundred dollars spent on an inspection can save thousands later and may even prevent you from buying a property that is not safe or structurally sound. It is one of the smartest steps you can take to protect yourself and your future.

As a real estate agent, I always recommend a full inspection to my clients, regardless of the home’s age or condition. It is not about slowing the process down, it is about making sure you are fully informed and protected every step of the way.

Filed Under: Real Estate Tagged With: Home Inspection Matters, Real Estate Tips, Smart Home Buying

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Rhonda & Steve Costa

Rhonda & Steve Costa

Call (352) 398-6790
Sunrise Homes & Renovations, Inc.

Contractors License #CBC 1254207

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